Debt collection -- Written notification about debt -- Complaint #7059739
Complaint Overview
Complaint ID: 7059739
Company: L.B.Gray LLC A Debt Collection Agency
Product: Debt collection
Sub-Product: Mortgage debt
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: Kentucky
ZIP Code: 40207
Date Received: 2023-06-01T12:00:00-05:00
Date Sent to Company: 2023-06-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I moved from XXXXXXXX XXXX in XXXX and broke my lease on good terms. I moved out of state and they agreed to keep the security deposit, as I was breaking my lease. They also agreed that I left on good terms and the apartment was in good standing. Since then, they have been under new management several times. Back in XXXX, I was moving into an Apartment who said that it was on my rental history and that I would not be able to move in until that was resolved. I called XXXX XXXX at that time and sorted it out and they sent an email to the Views at XXXX XXXX ( the new apartment I was moving into ) to let them know that it was a mistake and I didnt owe them anything. I was able to move into the new apartment because of that email. I didnt hear anything else about this and have lived in several places since XXXX. I didnt know it was an issue until I recently applied to a new place. Thats when I was alerted to this on my credit, stating I owe {$2500.00}. I called XXXXXXXX XXXX again. They are under new management and the woman I spoke to claims my file is vaulted. She said they have limited notes to view on my file. The manager said they are unable to do anything regarding my dispute of their error. I spoke with Lb gray, the collection agency they are using. That was XX/XX/XXXX or XXXX. I let them know that I never received a letter. They said they mailed one out last summer. I definitely didnt receive it, though. I let them know that Im currently disputing this with the credit bureaus and they said they can not do anything to help me until that is settled.
Frequently Asked Questions
What is Complaint #7059739 about?
Complaint #7059739 was filed against L.B.Gray LLC A Debt Collection Agency regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2023-06-01T12:00:00-05:00.
How did L.B.Gray LLC A Debt Collection Agency respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against L.B.Gray LLC A Debt Collection Agency?
Yes, visit the L.B.Gray LLC A Debt Collection Agency company profile at readthecomplaint.com/company/l-b-gray-llc-a-debt-collection-agency to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.